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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,094 | $115,814-92.1% | $101,275-91.0% | $158,982-94.3% |
| Participation rate | 83.3% | 79.4%+4.0pp | 75.8%+7.5pp | 82.0%+1.4pp |
| Annual return | 20.09% | 56.16%-36.1pp | 46.48%-26.4pp | 302.99%-282.9pp |
| Employer contribution / active EE | $1,742 | $4,176-58.3% | $3,660-52.4% | $4,763-63.4% |
| Participant deferral / active EE | $2,428 | $4,958-51.0% | $4,371-44.5% | $5,983-59.4% |
| Admin fee / account holder | $441 | $7,249-93.9% | $5,948-92.6% | $11,252-96.1% |